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Coast FIRE Calculator

Find the portfolio amount you need today so it grows to your FIRE number by retirement without any more contributions.

The total portfolio needed to retire (use the FIRE Number Calculator above).
Expected real (inflation-adjusted) annual return. 7% is a common long-term stock market estimate.

Results

Coast FIRE Number$184,249
Amount Still Needed$34,249
Coast FIRE Status (1=Yes, 0=No)0

📖What is it?

Coast FIRE is the point where your current portfolio is large enough that — invested and left alone — it will compound to your full FIRE Number by your target retirement age. Once you reach Coast FIRE, you only need to cover living expenses; you no longer need to save for retirement.

🎯How to use

Enter your target FIRE Number, your current portfolio value, the expected annual return (7% is a common long-term inflation-adjusted assumption), and the number of years until retirement. The calculator shows how much you need today to "coast" to FIRE.

💡Example scenario

To reach $1,000,000 in 25 years at 7% real returns, your Coast FIRE Number is about $184,249. If you have $150,000, you still need approximately $34,249 more before you can coast.

🏆Pro tip

Coast FIRE is a powerful milestone because it decouples your day job from retirement saving. Once coasted, you can take a lower-stress job, work part-time, or pursue passion projects — you just need to cover current expenses.